Online Banking Login:

Checking Accounts

Regular Checking

  • $50.00 to open
  • If your balance falls below $300.00 on any day in your statement cycle, your account
    will be subject to a $5.00 service charge for that statement cycle
  • May Apply for a VISA Check Card at account opening
  • Unlimited check writing
  • You may make an unlimited number of deposits into your account
  • Monthly image statement by mail
  • Free direct deposit and free automated clearinghouse withdrawals
  • Unlimited use of Touch Tone Teller
  • Unlimited Internet Banking access
  • Unlimited transfers from/to account  

Business Checking

  • $50.00 to open
  • If your balance falls below $500.00 on any day in your statement cycle, your account
    will be subject to a $5.00 service charge for that statement cycle
  • Unlimited check writing
  • You may make an unlimited number of deposits into your account
  • Monthly image statement by mail
  • Free direct deposit and free automated clearinghouse withdrawals
  • Unlimited use of Touch Tone Teller
  • Unlimited Internet Banking access
  • Unlimited transfers from/to account  

 Now Account

  • Interest-bearing account with interest compounded and credited monthly
  • Interest is calculated by the daily balance method which applies a daily periodic rate to the balance
    in the account each day
  • We may change the interest rate of this account at any time
  • Minimum balance to open is $1,000.00
  • If your account falls below $1,000.00 on any day in that statement cycle, your account will be subject to a $10.00 service charge for that statement cycle
  • If you close your account before interest is credited, you will not receive accrued interest
  • You may make an unlimited number of deposits into your account
  • Interest will begin to accrue on the business day you deposit noncash items (for example, checks)
    into your account
  • Unlimited check writing
  • May apply for a VISA Check Card at account opening
  • Free direct deposit and free automated clearinghouse withdrawals
  • Monthly image statement by mail
  • Unlimited use of Touch Tone Teller
  • Unlimited Internet Banking access
  • Unlimited transfers from/to account

Super Now Account

  • Interest-bearing account with interest compounded and credited monthly
  • Interest is calculated by the daily balance method which applies a daily periodic rate to the balance
    in the account each day
  • We may change the interest rate of this account at any time
  • Minimum balance to open is $2,500.00
  • If your account falls below $2,500.00 on any day in that statement cycle, your account will be subject to a $10.00 service charge for that statement cycle
  • If your daily balance is $0.01or more but less than $2,500, the interest rate will be lower than the rate on balances of $2,500 or more
  • If you close your account before interest is credited, you will not receive accrued interest
  • You may make an unlimited number of deposits into your account
  • Interest will begin to accrue on the business day you deposit noncash items (for example, checks)
    into your account
  • Unlimited check writing
  • May apply for a VISA Check Card at account opening
  • Free direct deposit and free automated clearinghouse withdrawals
  • Monthly image statement by mail
  • Unlimited use of Touch Tone Teller
  • Unlimited Internet Banking access
  • Unlimited transfers from/to account

Interest On Lawyer Trust Accounts (IOLTA)

  • All reporting to the West Virginia Bar Association completed by the bank on a monthly basis
  • Interest-bearing account with interest compounded and credited monthly
  • We may change the interest rate of this account at any time
  • Minimum balance to open is $50.00
  • If you close your account before interest is credited, you will not receive accrued interest
  • You may make an unlimited number of deposits into your account
  • Unlimited check writing
  • Free direct deposit
  • Monthly image statement by mail
  • Unlimited use of Touch Tone Teller
  • Unlimited Internet Banking access

Additional Terms

The following additional terms apply to this account: 

PAYMENT ORDER OF ITEMS - The law permits us to pay items (such as checks or drafts) drawn on your account in any order. To assist you in handling your account with us, we are providing you with the following information regarding how we process items that you write.  When processing items drawn on your account, our policy is to pay them according to the dollar amount.  We pay the smallest items first and internal checks before third party checks. The order in which items are paid is important if there is not enough money in your account to pay all of the items that are presented.  Our payment policy minimizes the number of items that may result in an overdraft or NSF fee.  If an item is presented without sufficient funds in your account to pay it, we may, at our discretion, pay the item (creating an overdraft) or return the item (NSF).  The amounts of the overdraft and NSF fees are disclosed on the Fee Schedule page.  We encourage you to keep accurate records and practice good account management.  This will help you to avoid writing checks or drafts without sufficient funds and incurring the resulting fees.

You might also be interested in:

VISA Check Card

Use your FCNB Check Card to pay for everyday purchases at millions of places in the US accepting Visa®. Plus get cash when you need it! Click here for more info.


Safe Deposit Boxes

Get peace of mind when storing your valuables in a FCNB Safe Deposit Box. Available boxes at the Fayetteville Main Office as well as Oak Hill and Ansted Locations. Click here for more info.